Garden Plain State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 10.90 percentage points in Q2 2026, from 83.85% to 72.96%. It was the largest change from Q1 2026 among the key lines here. Garden Plain State Bank has the 7th lowest loan-to-deposit ratio of the 182 banks headquartered in Kansas, at 35.45% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Garden Plain State Bank reported 35.45% on loan-to-deposit ratio in Q2 2026, 45.39 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $57.4M |
| Net loans and leases | $56.7M |
| Loans held for sale | $0 |
| Loans to total assets | 30.00% |
| Loan-to-deposit ratio | 35.45% |
| Net loans to equity capital | 2.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.44% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.60% |
| Consumer | 3.16% |
| Credit cards | 0.28% |
| Farm | 0.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 72.96% |
| Construction concentration (Tier 1 capital + allowance) | 62.65% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.78% |
| Interest income on loans | $1.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $45.1M | $121.3M | 19.06% | 8.37% | 4.28% |
| Q4 2023 | $48.2M | $118.3M | 17.53% | 8.30% | 3.89% |
| Q1 2024 | $46.8M | $123.9M | 17.88% | 9.39% | 3.63% |
| Q2 2024 | $48.3M | $127.8M | 16.73% | 9.46% | 3.50% |
| Q3 2024 | $51.3M | $127.8M | 16.28% | 9.24% | 3.00% |
| Q4 2024 | $54.1M | $128.0M | 15.17% | 7.57% | 3.17% |
| Q1 2025 | $51.9M | $136.1M | 18.42% | 8.31% | 3.26% |
| Q2 2025 | $52.0M | $140.7M | 18.42% | 9.02% | 3.47% |
| Q3 2025 | $56.5M | $147.9M | 16.49% | 8.35% | 3.26% |
| Q4 2025 | $58.6M | $147.9M | 14.36% | 8.95% | 3.12% |
| Q1 2026 | $58.2M | $158.2M | 14.23% | 6.12% | 3.09% |
| Q2 2026 | $57.4M | $162.0M | 14.44% | 7.60% | 3.16% |
Garden Plain State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Garden Plain State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Garden Plain State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19687) · FFIEC NIC profile (RSSD 987651)